Hybrid financing structures that integrate Bitcoin as supplemental collateral alongside income-producing real estate. No forced liquidation. No mark-to-market triggers. Hold your BTC. Close your deal.
The Structure
We underwrite hybrid collateral packages that pair income-producing commercial real estate with a measured Bitcoin allocation. Lenders get enhanced security. Borrowers get capital without selling a single sat.
Provide property details, current NOI, existing debt, and your Bitcoin holdings. We evaluate the combined collateral package and target loan sizing.
We underwrite the income-producing property (70–90% of collateral) alongside your Bitcoin allocation (10–30%). Bitcoin is held in institutional qualified custody — BitGo, Coinbase Custody, or equivalent.
Close your acquisition or refinance with a single-digit interest rate, no prepayment penalty, and a 10-year term. Bitcoin is escrowed for a minimum four-year hold aligned with BTC's four-year cycle.
Borrower and lender participate in Bitcoin's appreciation over the loan's life. The longer the loan is held, the greater the borrower's share of BTC appreciation — aligning incentives for long-term holds.
Loan Programs
Acquisition and refinance financing for apartment buildings, mixed-use urban assets, and residential-commercial projects. Ideal for operators seeking long-term capital without liquidating BTC positions.
Financing for warehouse, distribution, light industrial, and flex-space assets. Strong NOI combined with Bitcoin collateral creates compelling hybrid credit packages for institutional capital partners.
Hotel, extended-stay, and anchored retail financing. Bitcoin collateral supplements traditional cash flow analysis, enabling transactions that conventional lenders alone may struggle to underwrite.
Ground-up development and renovation financing with Bitcoin as supplemental collateral. Fund capital improvements, lease-up costs, and construction draws while preserving your BTC position.
Stabilized and transitional office, MOB, and professional campuses. We provide capital where traditional office lenders have pulled back — Bitcoin collateral bridges the underwriting gap.
For real estate owners seeking to re-denominate equity into Bitcoin, or BTC holders seeking real estate income. We structure both entry and exit scenarios within a single credit facility.
Deal Examples
The following examples are illustrative only and do not represent actual completed transactions. Shown for reference purposes only.
| Asset Type | Market | Loan Amount | BTC Collateral | Structure | Note |
|---|---|---|---|---|---|
| Multifamily (48 units) | Philadelphia, PA | $12,500,000 | 20 BTC (~20%) | Refinance | Illustrative |
| Industrial Flex (65,000 SF) | Northern NJ | $18,000,000 | 35 BTC (~25%) | Acquisition | Illustrative |
| Mixed-Use Retail/Residential | Brooklyn, NY | $9,200,000 | 15 BTC (~18%) | Refinance | Illustrative |
| Medical Office (22,000 SF) | Houston, TX | $7,500,000 | 12 BTC (~20%) | Acquisition | Illustrative |
| Value-Add Apartment Portfolio | Austin, TX | $24,000,000 | 50 BTC (~28%) | Renovation | Illustrative |
Why Bitcoin
Bitcoin settles in minutes, 24/7/365 — radically faster and cheaper to liquidate than real estate in a stress scenario. This liquidity premium makes it superior collateral for lenders.
21 million cap. No dilution. Bitcoin's absolute scarcity complements real estate's inflation sensitivity, giving lenders and borrowers a balanced hedge against monetary debasement.
On-chain proof-of-reserve in real time. Unlike real estate appraisals, Bitcoin's collateral value is publicly verifiable on the blockchain with no disputes over methodology.
FHFA has signaled crypto eligibility for mortgage qualification. Federal policy is shifting toward recognizing Bitcoin as a legitimate institutional asset — early movers capture the upside.
Unlike a gold bar or treasury bond, Bitcoin collateral actively appreciates. Our structures allow both borrower and lender to participate in BTC upside over the loan term.
Who We Serve
For Borrowers
You've built a BTC stack. Now you want to acquire or refinance commercial real estate without triggering a taxable sale. We structure the loan around your combined balance sheet.
For Capital Partners & Lenders
Allocate capital into senior-secured CRE loans enhanced with Bitcoin collateral. Structures designed for family offices, private credit funds, and institutional lenders seeking inflation-resistant yield.
Get Started
Loan Size: $5M – $50M+
BTC Component: 10–30% of collateral
Term: Up to 10 years
Prepayment: None
Markets: Nationwide (US)
Bitcoin collateral held with institutional qualified custodians. BitGo, Coinbase Custody, and equivalent regulated custodians accepted.